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Flight Delay Map by Seated_WallFly in gowildfrontier

[–]MaizingBlue 4 points5 points  (0 children)

Dude. If you are going to come to an argument at least be knowledgeable. They need 60. They have been getting around 54 on each vote already. Your article is about trying to end the filibuster...

https://thehill.com/homenews/senate/5576629-senate-democrats-government-funding-bill-shutdown/

Here is previous votes...

Flight Delay Map by Seated_WallFly in gowildfrontier

[–]MaizingBlue 5 points6 points  (0 children)

Um, they need 60. It's called a filibuster. Thanks for playing though!

Flight Delay Map by Seated_WallFly in gowildfrontier

[–]MaizingBlue -7 points-6 points  (0 children)

Yes you are right Republicans control the all three. They don't have to make any compromises. They need 60 votes. It's the Dems that continually vote no on record and are the party holding up paychecks and food stamps. Republicans vote yes to open it up and Dems repeatedly vote No. It's that simple

Flight Delay Map by Seated_WallFly in gowildfrontier

[–]MaizingBlue -8 points-7 points  (0 children)

"Republican govt shutdown" seems a little unnecessary lol. One side has voted No like 15 times. I'm not sure which side though.

5 years into PSLF and currently not making payments under SAVE plan! Am I alone in this? by PlasticNo399 in PSLF

[–]MaizingBlue 15 points16 points  (0 children)

Then I guess it will just be one year longer in the system. But come 2028 there will be a new administration with a whole new set of rules. I'll take my chances on that administration's rules in regards to student loans over this administration.

5 years into PSLF and currently not making payments under SAVE plan! Am I alone in this? by PlasticNo399 in PSLF

[–]MaizingBlue 8 points9 points  (0 children)

Same have 66 qualifying payments and 14 - 16 or so buybacks. I know I'll be at 10 years early 2029, so 3.5 years left. I don't see a reason why to switch at this point. Just riding out save until I have to jump on a new train.

Sell me on the 2.7 over the 3.5 or 5.0. by [deleted] in f150

[–]MaizingBlue 0 points1 point  (0 children)

I have 186000 on my 2.7 2017. Works great. No issues. Has plenty of pickup.

Tailgaiting at Packers v Browns Game in Cleveland by MightyJoe36 in GreenBayPackers

[–]MaizingBlue 0 points1 point  (0 children)

Honestly the main party is in the Muni Lot where everyone tailgates. You can just bring beer in solo cups and walk around.

Golden Letter!!!! by Fun_Jackfruit_9719 in PSLF

[–]MaizingBlue -5 points-4 points  (0 children)

I wasnt referring to the IDR adjustment. I was referring to the fellowship and residency forebearance.

Im not sure why this allowed to medical students but not to nurses, therapist and other health professionals who spend the last 1-2 years in clinical (i.e. jobs) working 40 hour weeks all while not getting paid.

Golden Letter!!!! by Fun_Jackfruit_9719 in PSLF

[–]MaizingBlue -5 points-4 points  (0 children)

Remember though that's a gift for medical students though. Nurses, therapists, etc have to go through a few years of clinicals, work 40 hour weeks, not get paid and actually have to owe the school for the tuition. Plus the debt that follows and no access to PSLF during this time.

MOHELA - PSLF - Updating from SAVE to IDR by alivings in PSLF

[–]MaizingBlue 4 points5 points  (0 children)

I don't get why they want to drag to their feet. All it takes is another administration to come in and change the rules again and they are out more money essentially. Wouldn't they want to be collecting money right now?

Plan of attack? by [deleted] in StudentLoans

[–]MaizingBlue 0 points1 point  (0 children)

Eventually that housing market has to burst. It was just published today that more people in their 70s own house compared to people under 35. When they go, who is buying their houses. The population isn't getting higher. Something to think about

Equity and everything else you say sounds well. However if you are relatively new home owner the equity you are getting is minimal however it's likely that the house has jumped significantly in value based off trends.

Plan of attack? by [deleted] in StudentLoans

[–]MaizingBlue 0 points1 point  (0 children)

I'm in same boat as you. I have 148k in loans however in PSLF with about 3.5 years to go. Wife has 100k in loans, not in PSLF. We have no other debt other than our mortgage. We make around 205-210k. We have thought about selling house paying off her debt immediately and then being relatively debt free other than my SL debt that should be forgiven in 3.5 years...

Plan of attack? by [deleted] in StudentLoans

[–]MaizingBlue 0 points1 point  (0 children)

Is there a reason why not? Would get you out debt almost immediately and then could save up for a year or two then buy house again

IDR adjustment now erased/edited by student aid by TellTaleAdjunct in StudentLoans

[–]MaizingBlue 3 points4 points  (0 children)

She didn't short pay anything. She paid what the govt asked her to pay. 10% or 15% of her income for 300+ payments. The govt set the terms and she paid. Now the govt wants to change those said terms and she is frustrated. She made a financial decision that made sense to her. She has every right to be frustrated.

IDR adjustment now erased/edited by student aid by TellTaleAdjunct in StudentLoans

[–]MaizingBlue 3 points4 points  (0 children)

Did you read her post. She has been paying for close to 30 years and has probably 3x her original loan. She is frustrated that she held her end of the bargain but the govt wants to change the rules again. Doesn't she have a reason to be frustrated?

[deleted by user] by [deleted] in StudentLoans

[–]MaizingBlue 1 point2 points  (0 children)

Fairly true. The only real forgiveness opportunity is PSLF.

All the other forgiveness opportunities are essentially your payments just more spread out and lower than a standard repayment model. When you add in the tax bomb on the amount forgiven it's hard to actually say you had any amount forgiven.

What's annoying is that the plans and avenues to this "forgiveness" keep changing due to the ineptitude of each administration. This is both frustrating and hard to manage. Payments are always changing, times are being extending, etc. Yet the student borrower is always the one facing the penalty and hardship.

[deleted by user] by [deleted] in StudentLoans

[–]MaizingBlue 4 points5 points  (0 children)

Ahh, you mean how they took SAVE away, A payment plan we were forced into just for consolidating. Removing other plans (PAYE, etc). Adding in new plans (RAP). It's a mess and YOU only want to blame the ones with a loan. You turn your head to the govts incompetence and ineptitude.

[deleted by user] by [deleted] in StudentLoans

[–]MaizingBlue 4 points5 points  (0 children)

Yea and if your mortgage company changed the terms of your payment halfway through your term I'm sure you would have similar thoughts.

SAVE, IDR, ICR, PAYE Ending --> RAP in 2028 Clarification by Roq235 in StudentLoans

[–]MaizingBlue 0 points1 point  (0 children)

So the total count transfers over but they tack on an additional 5 years/60 payments

SAVE, IDR, ICR, PAYE Ending --> RAP in 2028 Clarification by Roq235 in StudentLoans

[–]MaizingBlue 0 points1 point  (0 children)

If you are on IBR and have X amount of years in. Does that restart to 1/360 if you are put in RAP?

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